Xpress Payday wants to help. If you need cash quick, let us be your lender! With a quick, easy process, and friendly customer service, we can help make the unexpected a little easier!

LINE OF CREDIT LOANS. When you need the flexibility of borrowing and paying back on your schedule.
You only need to apply one time for a line of credit loan. Once approved, borrow money as often as you need, up to your available credit limit.
Then choose the way you pay it back, whether you make minimum payments gradually over time or repay your balance in full each month.


The APR* on our line of credit loans is currently 360%. Usually your loan payments will be scheduled around your paydays.

Your Finance Charge each billing cycle is equal to the sum of the following for each day in the cycle: the daily principal balance times the daily periodic rate (equal to the Annual Percentage Rate divided by 365). Your minimum payment each billing cycle will be the sum of the finance charge, 2% of the principal balance, and any past due amount.

Xpress Payday loan agreements are governed by the State of Kansas.

1. Fill out our quick loan application online, over the phone, or in-store.

2. Once approved, review and sign all documents, including agreement to pay at least the minimum payment on the agreed upon due date.

3.Get your money in minutes! Walk out with cash in hand, or let us directly deposit it into your account!

Start your application process now!

A line of credit loan might be the right solution if you need to:

• Have the peace of mind of having access to money whenever you need it.
• Have the flexibility in how you pay back your loan funds.
• Have control over how and when you use your funds.

A line of credit loan might NOT be the best fit if you want to:

• Pay for a one-time, smaller emergency.
• Have a specific amount you borrow with a fixed payment schedule.
• Purchase non-essential items (such as a new iPhone 7, a new large screen TV, etc.).
Frequently Asked Questions